Overview

Huma is the world’s first PayFi network, turning invoices, payrolls, and BNPL receivables into real-yielding digital assets.

Offers two key products:

Huma 2.0 (Permissionless):

Launched April 2025 for retail users to supply USDC and earn stablecoin yield plus Huma Feathers rewards.

Huma Institutional

A licensed, permissioned offering tailored for institutional clients needing compliance and higher touch services.

Built on platforms like Solana and Stellar, Huma delivers instant, 24/7 settlements and has handled $3.8B+ in transactions, with zero defaults reported to date.

• Huma's PayFi network is like a rocket engine for businesses’ liquidity—no more waiting days for transfers to finalize.

• For users, it's as magical as waking up to find your income already working for you—earning yield while it circulates.

• It bridges finance's old world—slow, opaque payments—with DeFi’s speed, transparency, and composability.

Dual Architecture:

Permissionless (Huma 2.0):

Open to retail with flexible yield options—Classic Mode (USDC yield + Feathers), Maxi Mode (Feathers-only, higher multiplier).

Institutional Pools

• KYC-backed, structured credit products tailored to corporate and institutional needs.

• Delivers double-digit real-world yield, powered by fast-paying receivables—capital cycles in days, not months.

Fully compliant & modular:

• Offers stablecoin-backed financing with KYC, MPC custody, and real-time settlement.

• Tokenized yield is composable across chains and DeFi integrations.

• $HUMA token fuels everything: governance, liquidity incentives, protocol engagement, plus a deflationary deflationary burn—50% of fees buy and burn HUMA.

Quantifiable Adoption

$4.5B transaction volume, $2.3B credit originated, 50M USDC deposited, and 53,400+ retail users in Huma 2.0.

Tokenomics

Max supply: 10B HUMA, with ~17.3% in circulation.

Allocation includes liquidity incentives, investors, team, treasury, marketing, and airdrops (5%). Fee burn mechanics create alignment and scarcity.

Foundational Strategy:

• Supported by major backers: Solana Foundation, Stellar Foundation, Circle, Galaxy, Distributed Global.

• Originated through a merger with Arf for global payment infrastructure and liquidity.

Core Offerings

• Tokenized PayFi financing infrastructure for businesses and individuals.

• Retail-focused Huma 2.0 with Classic and Maxi modes for yield vs. rewards.

• Institutional credit pools with structured financing and layered risk management.

• Real-time settlement and composable PayFi Strategy Tokens (PST) across DeFi.

Technical Edge

• Leverages Solana/Stellar’s high throughput for instant on-chain settlement.

• Capital-efficient: payments cycle fast, enabling high-leverage yield generation.

• Modular, compliant architecture supports cross-chain composability and advanced risk controls.

• Tokenomics aligned with retention: burn mechanism, escrow vesting, and LP incentives.

Innovations & Ecosystem Momentum

• A core player in the emerging PayFi stack, onboarding real economic flows into DeFi.

• Highlights include composable strategies like PST trading via Jupiter and collateralization on Kamino.

• Institutional and retail layers combined uniquely, with healthy deposit growth and zero default rates.

• Seen as a long-term shift: "a structural shift" in financing access and yield mechanics.

Why It Matters

• Brings real, sustainable yield (not inflation-driven token rewards) into DeFi.

• Enables businesses and individuals to unlock liquidity against future income—on-chain, instantly.

• Bridges institutional and retail markets with compliant, scalable infrastructure.

• Represents a major step toward DeFi that reflects real economic activity, not just speculation.

#HumaFinance @Huma Finance 🟣 $HUMA